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Hi, and welcome to the Longview.

I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

And I'm Jeff Battack, Chief Ratings Officer for Morning Star Research Services.

Our guest on the podcast today is Professor Hal Herschfield. Dr. Herschfield is Professor of Marketing, Behavioral Decision Making, and Psychology at UCLA's Anderson School of Management. His research

concentrates on the psychology of long-term decision-making and how people's perceptions of the

passage of time affects the decisions that they make. He has consulted with numerous organizations,

including Prudential, the Consumer Financial Protection Bureau, Merrill Lynch, and the principal financial group.

He received his BA at Tufts University and his Ph.D. at Stanford.

Dr. Hirschfield, welcome to the Longview.

Thanks so much. I'm excited to be here.

Well, we're excited to have you here.

We want to delve into your research that relates to saving and financial planning.

But before we do that, we wanted to ask you about the pandemic. You've researched the challenges

of getting people to take vaccines. You referenced in a scientific American article,

the experience of the polio vaccine and Elvis Presley getting the vaccine on live TV.

...